Compete like a money-center bank. Spend like a regional.

We help banks and credit unions grow deposits, win local market share, and deliver digital experiences members actually prefer.

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By the numbers

56%

of credit unions failed to grow membership in 2024 — and the smallest institutions are shrinking fastest

3×

more of their operating budget large credit unions spend on marketing vs. small ones — and the gap is widening

10%

credit union share of new account openings in 2023, down from 16% in 2015 — while large banks now capture more than 40% of all new accounts

94%

of financial institutions plan to embed fintech into their digital banking experience — or risk being left behind

Sources: NCUA data via Filene Research Institute (2024); McKinsey Finalta (2023); The Financial Brand / Capital Performance Group (2026); Jack Henry Strategy Benchmark (2025)

The squeeze is real

A sharper system beats a bigger budget.

National banks outspend you on digital. Fintechs out-design you. Meanwhile regulatory complexity slows every initiative, and deposit growth gets harder each quarter. The answer isn’t a bigger budget, it’s a sharper system.

How Finovo helps

Built for community trust and regulatory reality.

Services

Compliant marketing, custom web builds, and brand & collateral, scoped as projects and delivered to an operator's standard.

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Consulting

Full-funnel growth on retainer: diagnosis, plan, and hands-on execution across marketing, sales, and tech, plus systems you own.

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Let's talk

Let’s grow deposits, not just impressions.

Let’s map how to convert your marketing into real deposit and membership growth.

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